2.titleX.com - The term
“titleX.com” means the location on the World Wide Web owned by titleX and made
available to the User under the terms of this License Agreement.

3.User - The term
“User” means the natural person using the Site.Solely for purposes of enforcement of the terms of this
License Agreement, the term “User” also includes any Business Affiliate of the
User

3.Title Insurance Statutory and Regulatory Related
Definitions

1.Attorney -“Attorney” means a person licensed to
practice law and a member of the State Bar of Texas and includes a Texas
professional corporation organized for the purpose of rendering professional
legal services.

2.Business of
Title Insurance - The “business of title insurance” shall be deemed
to be (1) the making as insurer, guarantor or surety, or proposing to make as
insurer, guarantor or surety, of any contract or policy of title insurance or
any equivalent thereof; (2) the transacting or proposing to transact, any phase
of title insurance, including solicitation, title examination, except when
conducted by an attorney, closing the transaction, except when conducted by an
attorney, execution of a contract of title insurance, insuring and transacting
matters subsequent to the execution of the contract and arising out of it,
including reinsurance; (3) the making of a guaranty or warranty of a title
search, a title examination, or any component thereof by a person other than
the one performing the search or examination; or (4) the doing, or proposing to
do, any business in substance equivalent to any of the foregoing whether or not
designed to evade the provisions of this Act.

3.Closing The
Transaction - “Closing the Transaction” means the investigation
made on behalf of a title insurance company, title insurance agent, or direct
operation before the actual issuance of the title policy to determine proper
execution, acknowledgment, and delivery of all conveyances, mortgage papers,
and other title instruments which may be necessary to the consummation of the
transaction and includes the determination that all delinquent taxes are paid,
all current taxes, based on the latest available information, have been
properly prorated between the purchaser and seller in the case of an owner policy,
the consideration has been passed, all proceeds have been properly disbursed, a
final search of the title has been made, and all necessary papers have been
filed for record.

4.Direct
Operation - “Direct Operation” means the operations of a
title insurance company under the authority of a license issued under Article
9.36A of this Code. Whenever the term “title insurance agent” is used in this
Chapter, it shall be construed to include “direct operation” unless the context
indicates to the contrary.

5.Escrow
Officer - “Escrow Officer” means an attorney, or bona fide
employee of either an attorney licensed as an escrow officer, bona fide
employee of a direct operation, or bona fide employee of a title insurance
agent whose duties include any or all of the following: (1) countersigning
title insurance forms; or (2) supervising the preparation and supervising the
delivery of title insurance forms; or (3) signing escrow checks; or (4) closing
the transaction.

6.Title
Examination - “Title Examination” means the search and
examination of a title to determine the conditions of the title to be insured
and to evaluate the risk to be undertaken in the issuance of a title insurance
policy or other title insurance form.

7.Title
Insurance - “Title Insurance” means insuring, guaranteeing or
indemnifying owners of real property or others interested therein against loss
or damage suffered by reason of liens, encumbrances upon, or defects in the
title to said property, and the invalidity or impairment of liens thereon, or
doing any business in substance equivalent to any of the foregoing in a manner
designed to evade the provisions of this Act.

8.Title
Insurance Agent - “Title Insurance Agent” means a person, firm,
association, or corporation owning or leasing and controlling an abstract plant
as defined by the Board, or as a participant in a bona fide joint abstract
plant operation as defined by the Board, and authorized in writing by a title
insurance company to solicit insurance and collect premiums and to issue or
countersign policies in its behalf.

9.Title
Insurance Company - “Title Insurance Company” means any
domestic company organized under the provisions of this Act for the purpose of
conducting the business of title insurance, any title insurance company
organized under the laws of another state or foreign government meeting the
requirements of this Act and holding a certificate of authority to transact
business in Texas and any domestic or foreign company having a certificate of
authority to insure titles to real estate within this state and which meet the
requirements of this Act.

4.Other Title Insurance Related Definitions

1.Abstract
Plant - An Abstract Plant used as the basis for issuance
of title insurance policies in the State of Texas shall consist of fully
indexed records showing all instruments of record affecting lands within the
county for a period of at least 25 years immediately prior to the date of
search.The indices pertaining to
land shall be arranged in geographic order (i.e. lot and block or subdivided
lands, and survey or section number for acreage tracts).To be a qualified Abstract Plant, the
Abstract Plant must contain all of the indices as set forth in Procedural Rule
P-12.

2.Administrative
Regulations - The regulations adopted by the Texas Insurance
Commissioner and found in Title 28 Official Texas Administrative Code Section
9.1 et. seq. including the Basic Manual for Title Insurance.

3.Article
9.30(B) - (set forth text later)

4.Article
9.30(B)(2) - (set forth text later)

5.Business
Affiliation - Shall have the same meaning as “Business
Affiliate” set forth below.

6.Individual
Account Only - The term “Individual Account Only” means that the
use is for a natural person’s individual use and not for use in a business
context by a business affiliate.

7.Issuance of
Title Insurance - The “Issuance of Title Insurance” means that a
portion of the business of title insurance leading up to and including the
delivery of the policy of title insurance to the insured.

8.Policy or
Policies of Title Insurance - (import text later)

9.Procedural
Rule P-25 - (import text later)

10.Services - The term
“Services” includes, but is not limited to, the following elements: (i) closing
the transaction; (ii) title examination.

13.Title
Evidence - The term “Title Evidence” means the information
regarding instruments affecting title to a tract of land, going back not less
than 25 years or such greater period of time as is necessary to determine the
ownership and appropriate liens, encumbrances upon or defects in title.Title Evidence must include, at a
minimum, the following: (i) the grantor of each instrument; (ii) the grantee of
each instrument; (iii) the type of each instrument; (iv) the recording
information for each instrument; and, (v) copies of each instrument necessary
for an examiner to examine the title and prepare a title report or commitment
for title insurance.

14.Your
Business Affiliation - The term “Your Business Affiliation” means
Business Affiliate as defined below.

5.Other Definitions

1.Business
Affiliate - The term “Business Affiliate” shall mean, with
respect to a User, the entity {as defined herein} with which the user is in a
business relationship, including, but not limited to: (i) employer/employee;
(ii) principal/agent; (iii) independent contractor/client; (iv)
franchisor/franchisee.The term
“entity,”within the context of
the term Business Affiliate, includes, but is not limited to: (i) sole
proprietorship; (ii) corporation; (iii) partnership; (iv) limited partnership;
(v) joint venture; (vi) limited liability company; (vii) business trusts;
(viii) fiduciaries of all types; (ix) all forms of financial and banking
institutions; and, (x) federal, state and local governmental units

2.License
Agreement - The term “License Agreement” means all of the
terms set forth on this “User License Agreement for titlex.com User Site”
document.

3.Loss - The term
“Loss” shall mean the sums paid or to be paid by a user or a Business
Affiliate, in cash or otherwise, to settle or compromise: (i) claims of any
nature arising under information derived from the site; or, (ii) liability or
perceived liability, of the user or Business Affiliate for materials derived
from the site.Loss shall include,
but not be limited to, expenses, costs and attorney’s fees actually paid or
incurred in connection with the investigation, negotiation, litigation or settlement
of any manner.Loss includes, but
is not limited to, lost profits, indirect damages, consequential damages,
special damages, punitive damages or otherwise.

4.Person - “Person”
means a natural person or a Business Affiliate.

2.PURPOSE

titleX is providing this License Agreement to you to set forth the
terms applicable to your use of the Site.PLEASE READ ALL THE TERMS AND PROVISIONS OF THIS
LICENSE AGREEMENT VERY CAREFULLY.

3.ACCEPTANCE OF LICENSE TERMS

1.Unconditional Acceptance

You understand that accessing or transmitting information, registering
or otherwise participating in titleX constitutes and shall be deemed an
unconditional acceptance by you of all the terms of this License Agreement. If
you do not agree with all the terms of this License Agreement, you must not use
or participate in titleX.

2.Owner Right to Modify

titleX reserves the right, at its sole discretion, to change, modify or
add to this License Agreement, at any time, and without prior notice to you.

3.Minimum Age

You must be at least 18 years of age to register with titleX.

4.Information and Registration

By completing a registration for titleX, you agree that any and all
information that you supply in the registration process and other information
that titleX may require from time to time, is current, truthful, and
complete.titleX reserves the
right to terminate your registration with titleX at any time or in the event
that the information provided by you, including your e-mail address, is no longer
current or accurate.You agree to
maintain only one active registration with titleX at all times and you certify
that you currently have no other registration(s) with titleX.

4.CONTENT AND PROPERTY RIGHT PROTECTIONS

The content available through titleX is the property of titleX or its
licensors and is protected by copyrights, trademarks, service marks, patents or
other proprietary rights and laws.You agree that all content located at titleX is the sole property of
titleX.You understand and agree
that the information in, or derived from titleX, including communications,
photos, video, graphics and other material may not be copied, republished,
redistributed, transmitted, altered, edited or exploited in any manner for any
purpose, without notice to titleX and the prior express written permission of
titleX.titleX neither warrants
nor represents that your use of materials displayed on the Sitewill not infringe rights of third
parties not owned by or affiliated with titleX.

5.ACCURACY

While titleX uses reasonable efforts to include accurate and up to date
information in the Site, titleX makes no warranties or representations as to
its accuracy.titleX assumes no
liability or responsibility for any errors or omissions in the content of the
Site. titleX will not be responsible to you for any Loss suffered by you or
your Business Affiliate.

6.USER NAME AND PASSWORD

You shall be the only authorized user of titleX through your User Name
and Password.

7.TRADEMARKS

The trademarks, logos, and service marks (collectively the
“Trademarks”) displayed on the Site are Trademarks of titleX and others.Nothing contained on the Site should be
construed as granting, by implication, estoppel, or otherwise, any license or
right to use any Trademark displayed on the Site without the written permission
of titleX or such third party that may own the Trademarks displayed on the
Site.Your use of the Trademarks
displayed on the Site, or any other content on the Site, except as provided in
this License Agreement, is strictly prohibited.You are also advised that titleX will aggressively enforce
its intellectual property rights to the fullest extent of the law, including
the seeking of criminal prosecution.

8.TRANSMISSIONS TO SITE

Any communication or material you transmit to the Site by electronic
mail or otherwise, including any data, questions, comments, suggestions or the
list is, and will be treated as, nonconfidential and nonproprietary.Anything you transmit or post becomes
the property of titleX or its affiliates and may be used for any purpose,
including, but not limited to, reproduction, disclosure, transmission,
publication, broadcast and posting.Furthermore, titleX is free to use any ideas, concepts, know-how, or
techniques contained in any communication you send to the Site for any purpose
whatsoever including, but not limited to, developing, manufacturing and
marketing using such information.Through your usage of this Site, you may submit and/or titleX may gather
certain limited information about you and your web site usage.titleX is free to use such information
for any purpose it deems appropriate, including, but not limited to: (i)
creating customized web pages; (ii) marketing purposes; (iii) reporting to
regulators and law enforcement agencies.

9.SITE LINKS

titleX has not reviewed any or all of the sites linked to the Site and
is not responsible for the content of any off-site pages or any other sites
linked to the Site.Your linking
to the Site, off-site pages or other sites is at your own risk and without the
permission of titleX.

10.TECHNOLOGICAL INFORMATION RETRIEVAL TECHNIQUES

Retrieving information with robots or by any automated means, or by any
other method of accessing or using the data and services provided on this Site
other than through the methods provided on the Site are specifically
prohibited.The following are
examples, which are not intended to be an exhaustive list, of prohibited
actions: (1) screen scraping text data; (2) pulling images from the Site (in
any format) to avoid the charge for a PDF version of the same image; and, (3)
framing of the Site by another site; are all specifically prohibited without
prior written notice to titleX and the prior written consent of titleX.

11.RISK OF LOSS

Your use of and browsing in the Site are at your risk.Neither titleX, any of its agencies,
nor any other party involved in creating, producing, or delivering the Site is
liable for any direct, incidental, consequential, indirect, special or punitive
damages arising out of your access to, or use of, the Site.Without limiting the foregoing,titleX also assumes no responsibility,
and shall not be liable for, any damages to, or viruses that may infect, your
computer equipment or other property on account of your access to, use of, or
browsing in the Site on your downloading of any materials, data, text, images,
video, or audio from the Site.

12.LIMITATIONS OF LIABILITY

1.General Limitations

titleX SHALL NOT HAVE ANY LIABILITY OR OBLIGATION TO YOU OR ANY THIRD
PARTY (WHETHER CAUSED DIRECTLY OR INDIRECTLY) RELATING TO titleX, INCLUDING,
BUT NOT LIMITED TO, (I) THE MATERIALS AND OTHER INFORMATION MADE AVAILABLE VIA
titleX OR (II) THE INTERRUPTION, DELAY OR FAILURE IN THE TRANSMISSION, DELIVERY
OR DISTRIBUTION OF THE SERVICES OR MATERIALS.

2.Sole Liability

titleX’s SOLE LIABILITY TO
YOU FOR ANY CLAIMS, NOTWITHSTANDING THE FORM OF SUCH CLAIMS (I.E. CONTRACT,
NEGLIGENCE OR OTHERWISE), ARISING OUT OF YOUR USE OF titleX, SHALL BE TO USE titleX’s
REASONABLE EFFORTS TO RESUME THE SERVICES AS PROMPTLY AS REASONABLY
PRACTICABLE.

3.Limitation on Remedies

IN NO EVENT SHALL titleX HAVE ANY LIABILITY FOR LOST PROFITS, INDIRECT,
CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY
OF THE SAME.

4.Liquidated Damages

IN NO EVENT SHALL titleX’s AGGREGATE LIABILITY ARISING OUT OF RELATING
TO THIS AGREEMENT EXCEED FIVE THOUSAND DOLLARS ($5,000).

13.WARRANTIES

Everything on the Site is provided to you “AS IS” AND “AS AVAILABLE”
WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, OR NONINFRINGEMENT.Please note that some jurisdictions may not allow the exclusion of
implied warranties, so some of the above exclusions may not apply to you.

14.ORIGINAL SOURCE DISCLAIMER

The original source of the content of the image and/or data collections
available on this Site is the appropriate government office responsible for
this information, whether purchased directly from the government office or a
third party provider of such data.The government offices, third party data providers, and titleX bear no
responsibility for the integrity or accuracy of the data contained, either in
its form initially provided or due to any documentation manipulation or
reformatting of data that may occur.The use of trademarks, logos or any other identification of government
offices or third party data providers does not imply that such party supports
or endorses any use made by titleX of data provided or of any other activity of
titleX.

15.TITLE INSURANCE SPECIFIC PROVISIONS

1.Regulation of Title Insurance

In Texas, the Business of Title Insurance is in all respects totally
regulated by the State of Texas in accordance with: (i) Article 9.01 et. seq.
of the Texas Insurance Code; and, (ii) the Basic Manual of Rules, Rates and
Forms for the Writing of Title Insurance in the State of Texas (hereinafter the
“Basic Manual for Title Insurance”).The Texas Insurance Code and the Basic Manual for Title Insurance set
forth all of the statutory and regulatory requirements applicable to the
Business of Title Insurance.Pursuant to Article 9.01 of the Texas Insurance Code, the legislature of
the State of Texas found that the Business of Title Insurance, both the direct
issuance of policies and the reinsurance of assumed risk, of every type, should
in all respects be totally regulated by the State of Texas.The Texas Department of Insurance,
acting pursuant to the delegation of authority contained in the Texas Insurance
Code, has promulgated the Basic Manual for Title Insurance which contains: (i)
all insuring forms and endorsements; (ii) rate rules for insurance coverage’s;
(iii) procedural rules for insurance coverage’s; (iv) administrative rules for
dealing with the Texas Department of Insurance; (v) non-policy coverage forms
required to be used; (vi) claims procedures; and (vii) Texas Department of
Insurance bulletins. Accordingly, all title insurance policies, and
endorsements thereto, are issued on forms promulgated by the State of
Texas.The Basic Manual for Title
Insurance, as adopted and enforced by the Texas Department of Insurance,
specifically delineates the available title insurance coverage’s, and
rates,for Texas real estate
transactions which must be insured in accordance with the Texas Title Insurance
Act.

2.titleX.com Use Under the Title Insurance Regulations

Using the titleX.com site does not excuse the user from full and
complete compliance with the Texas Insurance Code and the Basic Manual for
Title Insurance.If a user is not
authorized to perform a function under the Texas Insurance Code or the Basic
Manual for Title Insurance, the user cannot make use of the site to circumvent
compliance with the Basic Manual for Title Insurance and the Texas Insurance
Code.

3.Requirements for Examination of Title from Title
Evidence From a Qualified Abstract Plant

It is illegal to write a policy or contract of title insurance unless
the requirements of Article 9.34 of the Texas Insurance Code are
satisfied.Article 9.34 of the
Texas Insurance Code requires four elements:

(1) First
Element - There must be compliance with the provisions of Article 9.30(B) of
the Texas Insurance Code.

(2) Second
Element - The policy or contract of title insurance must be based on an
examination of title made from title evidence prepared from an abstract plant
owned, or leased and operated by a licensed Texas title insurance agent or
direct operation for the county in which the real property is located.

(3) Third
Element - There must be a determination of insurability of title in accordance
with sound title underwriting practices.

(4) Fourth
Element - The title evidence must be preserved and retained in the files of the
title insurance company, direct operation or title insurance agent for a period
of not less than fifteen (15) years after the policy or contract of title insurance
has been issued.

The only circumstances where a title insurance company may directly
issue its policy of title insurance based on OTHER THAN an examination of title
made from title evidence prepared from an abstract plant owned, or leased and
operated by a licensed Texas title insurance agent or direct operation for the
county in which the real property is located is when the following elements
have been satisfied:

(1) First
Element - No licensed Texas title insurance agent or direct operation exists
for a county in which the real property is located; or

(2) Second
Element - If all licensed title insurance agents and direct operation for the
county refuse to provide the title evidence within such reasonable time as
determined by the Texas Department of Insurance and in compliance with the
provisions of Article 9.30(B)(2).

4.Very Limited Circumstances When titleX.com Site May
be Used to Produce Title Evidence

The titleX.com site may be used to produce title evidence for the
issuance of a policy or policies of title insurance under the following limited
circumstances:

(1) The
user has complied with Article 9.34 of the Texas Insurance Code.

(2) The
user maintains for fifteen (15) years, in a form readily available to titleX
upon titleX’s request to the user, the following original written evidence:

(a) a
letter from an officer of a Texas title insurance company authorizing the user
to obtain the “best title evidence available” pursuant to Article 9.34 of the
Texas Insurance Code, by using the titleX.com site; and,

(b) the
user’s original signed certification to titleX that either:

(i) no
licensed title insurance agent or direct operation exists for the county in
which the real property is located; or

(ii) all
licensed title insurance agents and direct operations for the county refused to
provide the title evidence within the timeframe established by Procedural Rule
P-25 of the Basic Manual for Title Insurance as promulgated by the Texas
Insurance Commissioner.

5.Circumstances Where Site May be Used by Title
Companies Involving Matters Other Than Preparing Title Evidence for Issuance of
Title Insurance

There are a number of circumstances where a title company may make use
of the titleX.com site and not violate this license agreement or the Texas
Insurance Code.The following
examples are a non-exclusive list:

(1) Title
evidence has already been obtained from a title insurance agent or direct
operation in compliance with Article 9.34 and the user is obtaining copies of
the documents contained on the title evidence so provided.

(2) The
title insurance company is working a claim under a policy or policies of title
insurance and it needs to gather title evidence concerning administration of
the claim.

(3) Where
the title evidence will not be used, directly or indirectly, for the issuance
of a policy or policies of title insurance or an endorsement thereto.

6.Penalties Under Texas Insurance Code for Wrongful
Use of titleX.com Site

16.TERMINATION

You agree that we may, in our sole discretion, terminate or suspend
your access to all or part of titleX for any reason, including, without
limitation: (i) breach of this License Agreement or any subsequent
modifications; or, (ii)attempted
assignment of your membership by you.Any suspected fraudulent, abusive or illegal activity is grounds for
termination of your membership and may be referred to appropriate law
enforcement authorities or governmental regulatory body.titleX shall not be liable to you or
any third party for any claims related to your termination from titleX.

17.GENERAL PROVISIONS & CONSTRUCTION OF LICENSE
AGREEMENT

A. Assignment.

This License Agreement is not assignable by you or any Business
Affiliate.

B. Counterparts.

This License Agreement may be accepted electronically in as many
counterparts as may be required and it shall not be necessary that the
signature of, or in behalf of, anyparty appear on any electronically acceptedcounterpart.

C. Severability.

If any one or more of the terms of this License Agreement shall to any
extent be adjudged invalid, unenforceable, void, or voidable for any reason,
each and all of the remaining terms of this License Agreement shall not be
affected thereby and shall be valid and enforceable to the full extent
permitted by law.

D. Headings.

The subject headings of the paragraphs and subparagraphs of this
License Agreement are included for the purpose of convenience only, and shall
not affect the construction or interpretation of any of their provisions.

E. Construction.

Any ambiguities in this agreement shall be construed in favor of
titleX.

F. Capitalization.

Generally, defined terms in this agreement begin with a capital
letter.However, where the context
requires, a term which is not capitalized may also be construed as a defined
term.

G. Time
of the Essence.

Time shall be of the essence with respect to each and every term of
this Agreement.

H. Tense.

Where the context
requires, the singular shall include the plural and the plural shall include
the singular.

I. General
Terms.

The use of specific terms shall not be construed to limit the
construction or meaning of general terms.

J. Entire
Agreement.

This License Agreement constitutes the entireagreement between the Parties and supersedes all prior
discussions, understandings or agreements.This Agreement shall not be amended or modified except by a
subsequent written License Agreement posted to the Site by TitleX or by
separate written agreementexecuted by titleX.

K. Attorney
Fees.

If titleX shall institute
an action against a User and/or Business Affiliatefor breach of this License Agreement, title X shall be
entitled to collect from the User all charges, expenses, fees, court costs and
actualattorney fees to incurred
by titleX.

L. Governing
Law.

To the extent necessary, all aspects of this LicenseAgreement shall be construed, enforced,
and governed according to and by the laws of the United States of America, and,
where state law is necessary to the implementation of this License Agreement
the laws of the State of Texas.

M. No
Third Party Beneficiary.

This License Agreement is for the sole benefit of titleX and the User
and shall not be construed or deemed to be made for the benefit of any third
party or parties.

N. Waiver
and Future Compliance.

A waiver of any provision of this License Agreement by titleX shall not
be construed to be a waiver of compliance with such provision in the future.

O. General
Law Compliance.

User agrees to comply with all federal, state and local laws applicable
to: (i) the use of
the Site; and, (ii)the use of the
data and/or materials obtained from the Site in any transaction or transactions
where the data or materials are used.

P. Notices.

All notices permitted or required to be given under this License
Agreement shall be in writing, addressed as shown below, and may be: (i)
personally delivered; or, (ii) delivered by express courier service; or, (iii)
mailed by certified or registered United States Mail.The effective date of notice shall be: (i) the date of
delivery, for personal or express courier deliveries {which date of delivery
may be evidenced by a receipt signed by anofficer of the company being noticed}; (ii) the date shown
on the "return card" for certified or registered mail if delivery is
by certified or registered mail.Said notices shall be addressed as follows: